Home Insurance in Brownton, Minnesota
Homes in Brownton carry a median value of $162,500 - 34% lower than the McLeod County median.
The typical home in Brownton was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 37 points above McLeod County's 28%.
Housing in Brownton breaks down to 92% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Brownton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Brownton are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Brownton are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates McLeod County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). McLeod County had 38 active NFIP flood policies as of September 2026. See the full McLeod County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in McLeod County | 38 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)